57 Cayman Cir, Umatilla, FL 32784 Property Records

Lake County property record for 57 Cayman Cir, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 1994
Lot Size	0.225 acres (9,814 sqft)
Owner	Individual Name on File
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-18-26-0015-000-02100`

Property Details

APN / Parcel Number

Primary APN	`14-18-26-0015-000-02100`
Alternative APNs	`261814001500002100` `3551010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,196 sqft
1st Floor Area	884 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,814 sqft (0.225 acres)
Lot Dimensions	160 ft deep x 69 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	54 sqft
Deck Area	Deck Area
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3551010
Street Address	57 CAYMAN CIR
City	UMATILLA
State	FL
Zip	32784-9085
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHS
Legal Description	UMATILLA LAKE MARY ESTATES SUB LOT 21 PB 28 PG 74-76 ORB 1300 PG 2341
Legal Range	26E
Legal Township	18S
Legal Section	14
Legal Subdivision	UMATILLA LAKE MARY ESTATES SUB
Legal Tract	0015
Legal Lot Number	21
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1063
Census Tract	30110

Owner

57 Cayman Cir, a single family home, is owned by an individual.

Source: Lake County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	39830 YENTSCH LN, UMATILLA, FL 32784-8399
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	57 CAYMAN CIR, UMATILLA, FL 32784-9085
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39830 YENTSCH LN, UMATILLA, FL 32784-8399

Mortgage

Document Number	0056552034
Date	Mar 4, 2021
Book Page	5655/2034
Instrument	2021029743

Lender

Name	UNITED SOUTHERN BANK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	237 Months
Due	Dec 23, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 57 Cayman Cir was $3,138, up 8.6% from the year before.

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,689 (-) Land $75,000 Building $120,689	$195,689 (-) Land $75,000 Building $120,689
2025	$3,138.00 (+8.62%)	$195,689 Land $75,000 Building $120,689	$195,689 Land $75,000 Building $120,689
2024	$2,889.00 (+24.53%)
2023	$2,320.00 (+6.86%)	$126,794 (-)	$126,794 (-) Land $45,000 Building $81,794
2022	$2,171.00	$126,794	$126,794 Land $45,000 Building $81,794

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 57 Cayman Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 57 Cayman Cir is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UMATILLA WATER WORKS (2 WPS) serves 3,948 people · EPA ID FL3351402
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20